docs(05-04): complete pdf-fill-and-field-mapping plan 04 checkpoint

- Created 05-04-SUMMARY.md documenting Phase 5 human verification checkpoint
- Updated STATE.md: checkpoint:human-verify reached, awaiting sign-off on 10-step browser verification
- All Phase 5 implementation (DOC-04, DOC-05, DOC-06) complete in plans 05-01 through 05-03

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

.planning/phases/05-pdf-fill-and-field-mapping/05-04-SUMMARY.md

@@ -0,0 +1,100 @@
+---
+phase: 05-pdf-fill-and-field-mapping
+plan: "04"
+subsystem: ui
+tags: [human-verify, checkpoint, pdf, signature-fields, document-preparation]
+
+# Dependency graph
+requires:
+  - phase: 05-02-pdf-fill-and-field-mapping
+    provides: Drag-and-drop FieldPlacer component on PDF pages with DB persistence
+  - phase: 05-03-pdf-fill-and-field-mapping
+    provides: TextFillForm and PreparePanel components wired to /api/documents/[id]/prepare
+  - phase: 05-01-pdf-fill-and-field-mapping
+    provides: POST /api/documents/[id]/prepare endpoint that writes prepared PDF and transitions status to Sent
+provides:
+  - Human sign-off on Phase 5 end-to-end workflow (DOC-04, DOC-05, DOC-06)
+affects:
+  - 06-signing-flow
+
+# Tech tracking
+tech-stack:
+  added: []
+  patterns:
+    - "Human verification checkpoint: 10-step manual browser walkthrough covering all three requirements"
+
+key-files:
+  created: []
+  modified: []
+
+key-decisions:
+  - "Phase 5 human verification: tester must confirm drag-and-drop placement, text fill form, client assignment, Prepare and Send, status transitions, and prepared PDF file creation on disk"
+
+patterns-established: []
+
+requirements-completed: [DOC-04, DOC-05, DOC-06]
+
+# Metrics
+duration: 0min
+completed: "2026-03-20"
+---
+
+# Phase 5 Plan 04: Human Verification Checkpoint Summary
+
+**Phase 5 PDF fill and field mapping end-to-end browser verification — awaiting human tester sign-off on all 10 steps covering DOC-04, DOC-05, and DOC-06**
+
+## Performance
+
+- **Duration:** 0 min (checkpoint plan — no auto tasks)
+- **Started:** 2026-03-20T06:08:20Z
+- **Completed:** Pending human verification
+- **Tasks:** 0 auto / 1 checkpoint
+- **Files modified:** 0
+
+## Accomplishments
+
+- Checkpoint reached after all Phase 5 implementation plans (05-01 through 05-03) completed
+- All three requirements (DOC-04, DOC-05, DOC-06) implemented in prior plans — awaiting human confirmation
+- Verification script prepared: 10-step browser walkthrough with expected outcomes for each step
+
+## Task Commits
+
+No auto tasks in this plan — this is a pure human-verification checkpoint.
+
+## Files Created/Modified
+
+None — this plan contains only a human-verification checkpoint task.
+
+## Decisions Made
+
+None - this plan is a blocking checkpoint requiring human verification before Phase 6 begins.
+
+## Deviations from Plan
+
+None - plan executed exactly as written. No auto tasks were present.
+
+## Issues Encountered
+
+None — awaiting human verification.
+
+## User Setup Required
+
+None — application should already be running from prior development. If not:
+```bash
+cd teressa-copeland-homes && npm run dev
+```
+
+## Next Phase Readiness
+
+- **Blocked on:** Human tester completing all 10 verification steps and providing sign-off ("approved" signal)
+- Phase 6 (Signing Flow) can begin after this checkpoint passes
+- Key Phase 6 blocker: DNS (SPF/DKIM/DMARC) for teressacopelandhomes.com must be configured before signing links reach real clients
+
+---
+*Phase: 05-pdf-fill-and-field-mapping*
+*Completed: 2026-03-20 (pending human sign-off)*
+
+## Self-Check: PASSED
+
+- No auto tasks to verify — checkpoint plan only
+- SUMMARY.md created at expected path